Best Life Insurance for People With High Cholesterol in 2025 (Top 10 Companies Ranked)

Find the best life insurance for people with high cholesterol with Gerber Life, Banner Life, and Nationwide, starting at $18 per month.Gerber Life offers affordable plans for medical conditions, Banner Life provides flexible policy options, and Nationwide ensures low rates with trusted service.

Our Top 10 Company Picks: Best Life Insurance for People With High Cholesterol

These companies focus on your coverage needs and well-being.

You can get free quotes for life insurance and secure financial protection for your loved ones by entering your ZIP code into our tool.

Free instant life insurance for people with high cholesterol is just a click away. Enter your ZIP code to get started.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

#1 – Gerber Life: Top Overall Pick

Pros

• Affordable Rates: Gerber Life offers life insurance for high cholesterol, starting at $18 monthly.
  
• Flexible Coverage: Offers various options suitable for individuals with high cholesterol.
  
• Easy Application: The process is easy and fast for those managing high cholesterol. Check out our guide titled “Gerber Life Grow-Up Plan Review.“

Cons

• Limited Coverage: Plans may lack comprehensive features compared to competitors.
  
• Customer Service: Some customers experience delays in claim resolution.

#2 – Banner Life: Best for Healthy Lifestyles

Pros

• Customizable Plans: Banner Life provides the best life insurance for people with high cholesterol, offering flexible plans starting at $20 per month.
  
• Affordable Pricing: Banner Life has competitive rates, even for high-cholesterol clients.
  
• Easy Underwriting: The simplified process helps people with high cholesterol secure coverage easily. For more information, see our guide, “Banner Life Insurance Company Review.“

Cons

• Fewer Discounts: Banner Life offers limited discounts, increasing costs for some.
  
• Slow Response Times: Some customers report delays in claims or customer service.

#3 – Nationwide: Best for Comprehensive Coverage

Pros

• Excellent Support: Nationwide provides reliable customer service for those with high cholesterol, starting at $28 monthly.
  
• Robust Coverage Options: Nationwide offers flexible plans designed for individuals managing high cholesterol. Learn more in our guide, “Nationwide Life Insurance Review.“
• Nationwide Access: Available in most states, making it accessible to many customers.

Cons

• Higher Costs: Premiums may be higher than competitors for similar coverage.
  
• Limited Online Features: Some users find online policy management tools insufficient.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

#4 – State Farm: Best for Excellent Support

Pros

• Discount Opportunities: State Farm provides affordable rates for high cholesterol with extra savings for bundling policies that start at $32/month.
  
• Financial Stability: Also known for its financial strength, State Farm is a reliable choice for long-term coverage. Learn more in our guide titled “State Farm Life Insurance Review.“
• Customizable Plans: Policies can be tailored to fit personal needs, even those with high cholesterol.

Cons

• Higher Costs: Premiums may be higher even with discounts rather than other providers.
• Limited Online Tools: Some users find the website harder to navigate than others.

#5 – Prudential: Best for Flexible Policies

Pros

• Affordable Premiums: Prudential offers affordable life insurance for people with high cholesterol, with rates starting at $24 per month for minimum coverage.
• Flexible Coverage Options: Prudential provides flexible plans that can be tailored to meet the needs of individuals with high cholesterol.
• Excellent Reputation: Prudential is known for its strong reputation in the life insurance industry, offering reliable service. View more in our guide titled “Prudential Life Insurance Company Review.“

Cons

• Complex Application: The application process may be more complex than with other insurers, which could be a drawback for some individuals.
• Higher Premiums for Older Applicants: Premium rates can increase significantly for older applicants, especially those with high cholesterol.

#6 – Transamerica: Best for Long Term

Pros

• Strong Financial Stability: Transamerica is financially strong, which makes it reliable for individuals with high cholesterol who start at a monthly cost of $23.
• Customizable Policies: Transamerica offers very customizable policies based on the specific needs of a person suffering from high cholesterol.
• Diverse Coverage Options: The company offers individuals with high cholesterol a wide range of coverage options, ensuring flexibility. Read our guide, “Transamerica life insurance review” for more information.

Cons

• Complex Claims Process: Some customers experience complications in processing claims, which is very frustrating for them.
• Limited Discounts: Transamerica offers fewer discounts compared to other providers, which may affect affordability.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

#7 – Guardian: Best for Permanent Insurance

Pros

• Affordable Plans: Guardian is one of the best life insurance providers for a person with high cholesterol, whose premiums start from $30 per month.
• Comprehensive Coverage: Guardian provides full coverage, which is a good reason to choose Guardian for those with high cholesterol.
• Financial Stability: Guardian is known for its long-term financial stability, ensuring peace of mind for policyholders. Find out more in our guide, “Guardian Life Insurance Review.“

Cons

• Higher Premiums: Premiums might charge much higher premiums, based on higher cholesterol counts, than others do.
• Limited Digital Tools: Some customers find the digital tools provided by Guardian less user-friendly compared to competitors.

#8 – MassMutual: Best for Whole Life

Pros

• Affordable Premiums: MassMutual offers the best life insurance for people with high cholesterol, starting at $25 per month for basic coverage.
• Comprehensive Policies: MassMutual provides comprehensive life insurance policies that cater well to individuals with high cholesterol.
• Strong Customer Service: Known for exceptional customer service, MassMutual ensures policyholders are well-supported. Discover more in our guide titled “MassMutual Life Insurance Review.“

Cons

• Complex Underwriting Process: The underwriting process at MassMutual can be lengthy, potentially delaying coverage for those with high cholesterol.
• Limited Discounts: MassMutual offers fewer discounts than other insurers, which might make it less affordable for some.

#9 – John Hancock: Best for Health Rewards

Pros

• Unique Wellness Program: John Hancock offers a wellness program that rewards healthy lifestyle choices, beneficial for people with high cholesterol, with rates starting at $35 per month.
• Flexible Coverage: John Hancock’s flexible coverage options are perfect for individuals with high cholesterol. Explore more in our guide titled “John Hancock Life Insurance Company Review.“
• Competitive Pricing: Despite being on the higher end, John Hancock’s premiums remain competitive, offering value for money.

Cons

• Higher Premiums: John Hancock’s premiums can be higher compared to other providers, especially for people with high cholesterol.
• Complex Application: The application process might be more involved, which could deter some individuals.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

#10 – AIG: Best for Customizable Plans

Pros

• International Coverage: AIG provides the best life insurance for people with high cholesterol, offering global coverage options starting at $22 per month.
• Strong Financial Backing: AIG has strong financial backing, ensuring policyholders have reliable protection. Get more details in our guide titled “AIG Life Insurance Review.“
• Affordable Rates: AIG offers affordable rates for individuals with high cholesterol, making it a good choice for global coverage.

Cons

• Limited Customer Service: Some customers report challenges in reaching customer service for inquiries.
• Complex Policy Options: AIG offers a wide range of options, which can be confusing for those unfamiliar with life insurance policies.

High Cholesterol Life Insurance Policy

High cholesterol can complicate life insurance applications, but it doesn’t make coverage impossible. Insurance companies assess your overall health, including cholesterol levels, to determine your risk. If your cholesterol is controlled through medication, diet, or exercise, insurers may still offer competitive rates. The key is to provide accurate medical information and show you’re actively managing your condition.

People With High Cholesterol Life Insurance Monthly Rates by Provider & Coverage Level

When applying for life insurance, expect to undergo a medical exam that checks your cholesterol levels. Insurers look at your total cholesterol, LDL (bad cholesterol), HDL (good cholesterol), and triglycerides. Controlled levels often result in better rates, even if your total cholesterol is slightly higher than average. Finding the right insurance starts with shopping around and comparing policies to ensure you’re treated fairly.

If you’re worried about higher costs due to your cholesterol, consider looking into no-exam life insurance or plans designed for higher-risk individuals. These choices might cost more, but they can help you feel secure and take care of your family’s finances. A local insurance agent can help you find the right plan for your needs. See our guide “What is an instant life insurance policy?” for more information.

Top Life Insurance Providers Offering Discounts With High Cholesterol

Top life insurance providers offer discounts for individuals managing high cholesterol by promoting healthier lifestyles. AIG is a great option because it rewards non-smokers, healthy habits, and paid-in-full policies. Banner Life offers discounts for non-smokers, multi-policy holders, and certain occupations, appealing to professionals in low-risk fields.

Life Insurance Discounts From the Top Providers for People With High Cholesterol

Gerber Life and Guardian Life offer discounts for non-smokers and encourage healthy lifestyles. Gerber also offers perks for safe driving and full payment policies. John Hancock’s Vitality Program, which sets itself apart, rewards policyholders for staying active and eating well. MassMutual and Nationwide offer similar benefits while adding discounts for bundling or long-term coverage.

Read More: How to Save Money When Buying Life Insurance

State Farm and Prudential highlight healthy living and non-smoking rewards, including discounts for good driving and medical management. Transamerica and Guardian Life provide occupational discounts alongside healthy lifestyle benefits. Choosing the right provider ensures affordable coverage with rewards that fit your habits.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Life Insurance Companies Look for Consumers who Have High Cholesterol

Life insurance companies look at overall health risks when insuring people with high cholesterol. High cholesterol raises the chances of heart issues like heart attacks or strokes, affecting life expectancy. Insurers check the balance of HDL (good cholesterol) and LDL (bad cholesterol), along with total cholesterol. A better balance often means lower premiums, while high LDL or poor ratios can lead to higher costs or limited coverage.

Caring for an aging or ailing loved one can be challenging, both emotionally and financially. Did you know you might be able to get paid for it? Learn more: https://t.co/R0cPd70Q6F pic.twitter.com/FYGWuYRogI

— State Farm (@StateFarm) October 14, 2024

How well someone manages their cholesterol also matters. Using medication, eating a healthy diet, exercising, or making lifestyle changes can help. Insurers might ask for medical records or require a health exam to check how well the condition is controlled. Regular doctor visits and following treatment plans can improve your chances of getting good rates.

Other factors, such as age, weight, smoking, and family health history, also affect risk. For instance, a smoker with high cholesterol and a family history of heart problems is seen as riskier than a non-smoker. Insurers review the full health picture to decide on coverage and pricing. Check our “How life insurance companies determine your heart health” guide for more details.

Term Life Insurance With High Cholesterol

Managing high cholesterol while applying for term life insurance can improve your chances of getting better rates. Start by working with your doctor to control cholesterol through diet, exercise, and medication if needed. Small changes, like eating less saturated fat, staying active, and quitting smoking, can make a big difference over time. Showing insurers you’re working to stay healthy may lead to lower premiums.

Be honest when sharing your health details with insurers. Provide recent cholesterol readings, medical records, and any treatment plans to avoid complications during the application process. Hiding details could result in higher costs or even denial of coverage. You might also benefit from consulting an insurance broker who understands high-risk applicants and can connect you with insurers open to working with your condition.

Shop around and compare providers, as some insurers are more flexible with applicants managing high cholesterol. Ask if they’ll adjust rates if your health improves. By managing your health, being transparent, and exploring options, you can find a policy that suits your needs and budget. Browse our guide, “Types of Term Life Insurance.”

Life Insurance Works for Individuals With High Cholesterol

There are many common life insurance policy trends for people with high cholesterol. For instance, people who do not update their medical records or regularly check-up with their primary care doctor tend to have higher life insurance rates. However, life insurance rates are lower for those who demonstrate health-conscious decisions by maintaining a controlled diet, exercising, and taking consistent medication prescribed for high cholesterol.

More importantly, people whose ratio is below 4.0 and whose cholesterol level falls within the range of 150 to 250 are best covered by the most desirable insurance policy. Over 250 is high; you must compare them with your HDL and LDL levels.

Lastly, committing to any term life insurance policy with rates you can afford is the best decision you can make once you consider all your life insurance options. Once you get approved for a budget-friendly life insurance policy, you may focus on improving your rating class with your company by putting first a healthy lifestyle, lowering your cholesterol, and showing good lab test results.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

High Cholesterol Levels and Heart Disease Indicate High Risk 

Cholesterol is not something bad. As a matter of fact, the body produces cholesterol to keep it healthy. Cholesterol can come into our bodies from the food that we digest. When you go to have your cholesterol checked, your doctor measures your high-density lipoprotein, or HDL, and your low-density lipoprotein, or LDL.

HDL cholesterol stops LDL cholesterol from clogging up your artery walls, which may cause obstruction in the blood flow and increase your chances of a heart attack or stroke. Keeping your HDL cholesterol at desirable levels will help you avoid having a stroke or a heart attack.

Learn More: How To Get Life Insurance With Heart Disease

Of course, insurance companies prefer covering individuals who are less likely to die. Hypercholesterolemia, based on the National Library of Medicine, is a term for the technically correct way to describe having high cholesterol; such may trigger heart attacks and strokes and has grave medical implications that might cause an untimely death.

Case Studies: Life Insurance Approval With High Cholesterol

Getting life insurance with high cholesterol can feel challenging, but it’s possible with the right steps. These case studies of John, Sarah, and Mark show how they handled their situations. They highlight the value of staying healthy, doing research, and being committed to finding the right coverage.

• Case Study #1 – John’s Life Insurance Approval: John was a 45-year-old male with high cholesterol. He wanted to find the best life insurance for his family. Despite this, he looked into different types of insurance, showing dedication to a healthy lifestyle through exercise, diet, and medication.
• Case Study #2 – Sarah’s Improvement: Sarah, 35, with high cholesterol, took proactive steps for life insurance approval. She followed her doctor’s advice with regular check-ins and treatments, monitoring her cholesterol levels and medications.
• Case Study #3 – Mark’s Healthy Lifestyle and Lower Premiums: Mark, a 50-year-old with high cholesterol, was determined to lower his life insurance premiums. He focused on maintaining a healthy lifestyle, including a controlled diet, regular exercise, and a consistent medication routine for his cholesterol. Mark’s commitment yields desirable HDL and optimal overall cholesterol.

These case studies show that having high cholesterol doesn’t mean you can’t get life insurance. By making positive lifestyle changes, working with doctors, and finding the right insurance providers, people like John, Sarah, and Mark were able to get the coverage they needed. Let their success motivate you to find the best life insurance for you.

Simplify your life insurance for people with high cholesterol by entering your ZIP code into our free quote comparison tool and finding coverage that fits your budget and needs.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption